Total monthly cost of ownership
Cost to Own a Home in Loveland, Colorado
A $453,000 home here costs
$3,229per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,329. The real number is $900 higher every month — 39% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Loveland against Larimer County and Colorado
| Measure | Loveland | Larimer County |
|---|---|---|
| Median home value | $453,100 | $532,200 |
| Median property tax | $2,137 | $2,662 |
| Effective tax rate | 0.472% | 0.500% |
| Median gross rent | $1,683 | $1,677 |
| Population | 77,350 | 363,561 |
The weather behind that power bill
Loveland sits in Larimer County, which averages a high of 74.3°F in its hottest month and a low of 10.0°F in its coldest, with 20.57" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 6 cooling and 10,054 heating degree days, which is what sets the $145 electricity line above.
See the full climate breakdown for Larimer County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Larimer County
Full Larimer County cost breakdown · Every county in Colorado
Common questions
How much does it cost to own a home in Loveland?
A $453,000 home in Loveland, Colorado costs approximately $3,229 per month with 20% down at 6.66%. That is $2,329 principal and interest, $178 property tax, $131 homeowners insurance, $213 utilities and $378 set aside for maintenance.
What is the property tax rate in Loveland?
Loveland has an effective property tax rate of 0.472%, based on a median home value of $453,100 and median real estate taxes of $2,137. That is lower than the Larimer County average of 0.500%.
What is the average home price in Loveland?
The median owner-occupied home value in Loveland, Colorado is $453,100, against $532,200 across Larimer County.
Is it cheaper to rent or buy in Loveland?
Median gross rent in Loveland is $1,683 a month, against $3,229 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Loveland — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Colorado.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.